Critical illness insurance is a policy designed to pay a lump sum or income on the diagnosis of certain life-threatening or debilitating (but not fatal) conditions such as a heart attack, stroke, certain types/stages of cancer, multiple sclerosis and loss of limbs.
The illnesses covered will be specified in the policy along with any exclusions and limitations – these differ between insurers. Critical illness policies usually only pay out once, so are not a replacement for income. You can use the payout to pay for medical treatment, pay off your mortgage or anything else.
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Don't get caught out
We all know to our cost sometimes that not everything in life is straightforward and things don’t always go to plan. Our Critical Illness Insurance advisers can help you prepare for the unexpected and put in place some financial safety nets in case anything happens to impact your family or disrupt your plans. If you choose one of our Critical Illness Insurance Advisers they will guide you through and answer all your questions
The policy premium
The size of your Critical Illness Insurance premium will depend on your age, health, occupation, whether or not you smoke, the type and amount of cover you need, and how long you need it for. It is important to remember that premiums could also be more expensive if you have a history of a particular illness in your family or the illness may be excluded from the cover. Its complex but you can trust our 5* rated Critical Illness Insurance advisers
Look beyond the cost
It may be tempting simply to opt for the cheapest policy available. But it is important to bear in mind that whilst many products may look the same, there can be important differences between them that can be difficult to spot. This is particularly important with serious and critical illness cover where the cover available from different providers varies more significantly care should be taken to select a policy that is most suitable.
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